Invoice Finance for
Agriculture Businesses
Unlock cash from unpaid supply contracts or government grants to maintain smooth operations and seasonal production schedules.
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Turn Unpaid Invoices Into Cash To Keep Agrticultural Operations Running
For UK farmers and agricultural suppliers, cashflow management is one of the most persistent challenges. While operational costs such as feed, fertiliser, fuel, and wages must be paid immediately, customer payments are often delayed. Large retailers, processors, and wholesalers typically operate on extended credit terms of 60–120 days, leaving businesses waiting months to receive income.
Agriculture invoice finance provides a practical solution by unlocking cash tied up in unpaid invoices. By receiving up to 90% of invoice value within 24–48 hours, farmers and suppliers can maintain financial stability, pay suppliers on time, and continue investing in their business.
Why Cashflow is a Challenge in Agriculture
Agricultural businesses face unique financial demands that make invoice finance particularly valuable:
- Seasonal Sales Patterns – Produce and livestock sales are concentrated at certain times of year.
- Long Payment Terms – Supermarkets and processors often delay payments, stretching cashflow.
- High Upfront Costs – Fertiliser, feed, and seed must be paid for well before harvest income arrives.
- Rising Input Costs – Energy, labour, and equipment costs continue to climb.
- Thin Margins – Market volatility leaves little room for delays in payment.
Without timely cashflow, farmers may struggle to cover everyday expenses or miss opportunities to grow.
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How Agriculture Invoice Finance Works
Invoice finance bridges the gap between issuing invoices and receiving payment:
Invoice Issued
You deliver produce, livestock, or supplies and issue an invoice.
Customer Pays
The customer pays the invoice on agreed terms.
Advance Released
A lender advances up to 90% of the invoice value, typically within 48 hours.
Balance Settled
The lender releases the remainder, minus fees.
This process ensures that income is received when it is needed most, not months later.
Types of Invoice Finance for Agriculture
Invoice Factoring
The lender advances funds and manages collections directly from your customers. This is useful for farms and suppliers who prefer to outsource credit control.
Invoice Discounting
You retain control of collections while still unlocking cash from invoices. This is often confidential and invisible to customers.
Selective / Spot Factoring
Enables you to release cash from specific invoices without committing your entire ledger. Ideal for seasonal producers.
Benefits of Agriculture Invoice Finance
Improved Cashflow
Access funds immediately after issuing invoices.
Stability for Seasonal Businesses
Smooth out the peaks and troughs of farming income.
Operational Continuity
Cover wages, feed, and fuel costs without delay.
Growth Enablement
Take on larger contracts or expand production with confidence.
Flexibility
Choose factoring, discounting, or selective finance to match your needs.
Supplier Relations
Pay suppliers promptly and secure better terms.
Why Invoice Finance Suits Farmers and Suppliers
Agriculture is a sector where costs are constant, but income is often delayed. For arable farms, inputs such as seed, fertiliser, and machinery fuel must be purchased months before harvest. For livestock farms, feeding and veterinary bills are ongoing while payments for animals may be delayed. Suppliers to supermarkets and processors often face the most severe delays, waiting months for invoices to clear.
Invoice finance solves this problem by aligning cashflow with operational needs. It is equally valuable for small farms needing to cover basic costs and for large agribusinesses supplying multiple customers.
Why Choose MacManus Asset Finance?
At MacManus Asset Finance, we understand the unique pressures faced by farmers and agricultural suppliers. With over 20 years of experience in rural finance, we partner with lenders who specialise in supporting businesses in this sector.
We provide:
- Sector Expertise – A deep understanding of farming and supplier cashflow challenges.
- Specialist Lender Access – Funders with appetite for agricultural businesses.
- Tailored Facilities – Solutions designed around seasonal cycles and client needs.
- Fast Access to Funds – Quick approvals to keep farms operating smoothly.
- Ongoing Support – Long-term advice as your business grows or diversifies.
Key Takeaways
Agriculture is one of the most vital industries in the UK, but also one of the most cashflow-sensitive. Long payment terms and seasonal income make it difficult for farms and suppliers to balance expenses with income. Agriculture invoice finance provides a practical solution, giving businesses immediate access to the funds they have already earned.
At MacManus Asset Finance, we arrange invoice finance solutions tailored to the needs of farmers and agricultural suppliers, ensuring cashflow stability and supporting growth.
Agriculture Invoice Finance FAQs
Typically up to 90%, with the balance released once the customer pays.
Yes, invoice discounting allows you to retain customer relationships discreetly.
Many lenders accept international invoices, subject to credit checks.
The facility remains in place until the customer pays, though charges may apply for long delays.
No, it’s suitable for businesses of all sizes, including small family farms.
Yes, many farms use multiple finance products together for complete cashflow support.
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